Montgomery County Home Improvement Loan Program

Montgomery County Department of Housing and Community Affairs

Available Home Repair

About This Program

Montgomery County Home Improvement Loan Program is available to homeowners in Aspen Hill, MD.

Provides low-interest or deferred-payment loans to income-eligible Montgomery County homeowners for major home repairs and improvements. Loans are available up to $50,000 with flexible repayment terms based on income.

Deferred loan amount based on scope of repairs, flexible repayment terms

Official program page checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

In Aspen Hill, MD, you can combine this program with other local help to cut your cost:

Key Details

  • Deferred or low-interest loans up to $50,000
  • Income at or below 120% AMI typically eligible
  • Must be owner-occupied in Montgomery County
  • Covers major repairs, roofing, HVAC, accessibility
  • Flexible repayment terms based on income

How to Apply

Get free help applying Visit Official Program Page Track this program

(240) 777-0311

A grant-savvy contractor in Aspen Hill, MD can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Aspen Hill early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling applications

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Montgomery County Home Improvement Loan Program provide in Aspen Hill, MD?

Deferred loan up to $50,000.

Who qualifies for Montgomery County Home Improvement Loan Program in Aspen Hill?

Montgomery County Home Improvement Loan Program is open to homeowners in Aspen Hill, MD.

How do I apply for Montgomery County Home Improvement Loan Program in Aspen Hill, MD?

Apply directly with Montgomery County Department of Housing and Community Affairs using the official program link on this page or call (240) 777-0311. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Aspen Hill, MD contractors

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